Corporate Business Database

• RDB operates a pool data with financial statements, qualitative information, and credit status on corporate business loans collected from member banks throughout Japan.
• The financial statements database is made up of obligors' financial statements held by financial institutions. By setting true values, not including those from interviews, as input values and by collecting information on past due loans and obligators' "credit rating" information, the database enables to analyze by expanded definitions of default than bankruptcy in the legal scene.
• There is a sufficient quantity of data: 700,000 all data, 240,000 default data, and 4,090,000 reports on financial statements since 1998, for statistical analysis (May 2012 present).
• The data comes mainly from banks, and is given high marks on its degree of accuracy and its sufficiency of items. It is used as a benchmark data and as an external reference data set that complements data shortly supplied in many financial institutions, including mega banks.
• This is a membership service only for financial institutions that can continually provide data of their own obligors' loan information in prescribed format rules.
• All the information is anonymous, and the database cannot identify an individual company name.